Terms & Conditions

1. DEFINITIONS The RHB Rewards Programme (Programme) is composed of: i Flight Rewards, which means the transfer of Reward Points to the participating airline(s) available for, frequent flyers on such airline(s). ii Non-Flight Rewards meaning all rewards, other than Flight Rewards, provided by the Programme, which includes dining, shopping, travel, annual fee waiver and On-The-Spot Redemption. iii Catalogue, which means the RHB Rewards for Reward Points’ redemption offerings catalogue.

i The annual expiry date for Reward Points earned (regardless of month) shall be the last day of the year according to the respective Credit Card Reward Points validity. ii All Reward Points should be redeemed prior to expiry. The applicable expiry date will be shown in the cardmembers’ monthly credit card statement and any unused Reward Points earned and accumulated will NOT be carried forward to the following year or will be brought to the number zero upon expiry. iii There will be NO EXTENSION PERIOD OR TIME FRAME given to any unused and expired Reward Points.

3. ELIGIBILITY All Personal, Corporate Staff and Company cardmembers with accounts in good standing (currently not overdue in payment or exceeded limit) are eligible for the programme. Corporate cardmembers standalone private label cardmembers as so determined by RHB Bank Berhad (“RHB”) are excluded from the programme.

4. REWARD POINTS EARNED IN THE PROGRAMME i All RHB Visa and MasterCard cardmembers (except RHB Debit Card and Platinum Business Visa/MasterCard Card) and cardmembers of other cards as determined by RHB at its discretion will earn one (1) RHB Reward Point in the Programme for every RM1.00 billed to the principal and supplementary card accounts subject to the exclusion listed below. All retail transactions will be qualified for the RHB Reward Points. The cardmember will NOT earn Reward Points for the following: Late Payment Charges, Excess Limit Fee, Finance Charges, Cash Advance and Quasi Cash Transactions, Balance Transfers, Annual Fee, Early Exit Fees, Service Taxes (as determined by the Malaysian Government), transactions performed at the petrol stations, Closed-loop Merchant Payment Processing (A payment made or transacted within a specific merchant who participated in closed loop payment processing) and others as determined by RHB. ii The accumulation rate of one (1) RHB Reward Point for every RM1.00 may be subjected to change from time to time with prior notice as determined by RHB. iii Adjustments will be made to the RHB Reward Points accrued in the cardmember’s Visa or MasterCard account if there are any credit(s) or debit(s) posted to a cardmember’s account, including those arising from returned goods or service or from billing disputes. Any disputed transactions/billings will not be accredited with Reward Points. iv Whether transactions are made in Malaysia or abroad, Reward Points will be earned on the amount debited to the cardmember’s credit card account in Ringgit Malaysia for all eligible spending. v RHB reserves the right to change, at any time with prior notice, the number of Reward Points where applicable, the number of Reward Points plus Ringgit values that are required to redeem any of the items in the Programme.

5. REWARD POINTS REDEMPTION i All RHB Visa or MasterCard accounts must be in good standing (not overdue in payment or exceeded limit) and not cancelled or terminated by RHB or the cardmember at the time of a redemption request (including a request to transfer Reward Points to the participating airlines’ Frequent Flyer Programmes). ii When redeeming Reward Points RHB will deduct the points earned by in order of date so that the earliest accumulated points will be redeemed first. iii Reward Points accumulated in the principal and supplementary cardmember’s VISA or MasterCard card account can only be redeemed by the principal card cardmember for the RHB Rewards Programme. iv Upon redeeming a reward, the cardmember releases RHB from any and all liability to the cardmember or any guest of the cardmember’s in respect of the redemption or use of such reward in the Programme. v Any dispute concerning goods or services received as a reward under the Programme shall be settled between the cardmember and the service establishment and/or supplier, which supplied the goods or services (service establishment and supplied the goods or services shall be collectively referred to herein as service establishment or service establishments). RHB shall bear no responsibility for resolving such disputes or for the dispute itself. vi The Reward Points earned in the Programme have no cash or monetary value. vii Redemption Programme orders, once accepted by RHB, cannot be revoked, cancelled, returned or exchanged. All points/money involved in the redemption programme will not be credited back into the cardmember’s account. viii RHB hereby reserves the right to appoint a third party vendor(s) to handle the Rewards Programme and arrangement to deliver goods and services to you. Cardmember’s information such as name, delivery or billing address, contact numbers and email addresses are provided to vendor(s) for the purpose of Rewards Programme and shall only be used for verification and fulfillment purposes. By completing the order form, the cardmember has expressedly agreed and consent to RHB to release the said information for the purpose of Reward Programme. ix Only principal card cardmembers can redeem On-The-Spot at participating merchants’ outlet. x Supplementary card cardmember is not allowed to perform On-The-Spot Redemption. It will be treated as normal retail transaction and full value of the product would be charged onto the credit card account.

2. VALIDITY OF REWARD POINTS

Type of card Validity

Classic, Gold, EVO, Travel Money, MyEG-RHB 2 years

Platinum, Visa Infinite Evergreen Points